Sterling Financial Planning, Inc.
Reported holdings as of Q3 2026, from 24 quarterly filings.
Holdings
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| Security | Ticker | Value | Shares | Weight | Weight change | Held | Change |
|---|---|---|---|---|---|---|---|
| ISHARES TR | IJJ | $23.0M | 167,200 | +0.02pp | 24q | +6.8%+$1.5M | |
| ISHARES TR | IVW | $21.0M | 147,339 | +0.20pp | 24q | -0.6%-$126.6K | |
| ISHARES TR | IJT | $20.4M | 127,113 | -0.63pp | 24q | -0.7%-$144.1K | |
| ISHARES TR | IJK | $20.1M | 183,776 | -0.32pp | 24q | +0.6%+$123.1K | |
| ISHARES GOLD TR | IAU | $18.7M | 239,515 | +0.33pp | 22q | +2.5%+$455.9K | |
| DIMENSIONAL ETF TRUST | DFIV | $17.4M | 311,045 | +0.20pp | 18q | HELD | |
| DIMENSIONAL ETF TRUST | DISV | $13.3M | 307,396 | +0.34pp | 18q | +1.5%+$193.5K | |
| SCHWAB STRATEGIC TR | FNDX | $13.1M | 415,377 | +0.04pp | 24q | -0.7%-$93.2K | |
| VANGUARD WHITEHALL FDS | VYM | $13.0M | 83,774 | flat | 24q | +0.9%+$115.2K | |
| VANGUARD BD INDEX FDS | BIV | $11.8M | 161,978 | +0.02pp | 24q | +5.2%+$587.6K | |
| DFA INVT DIMENSIONS GROUP IN | DFSV | $10.9M | 290,843 | - | new | NEW | |
| INNOVATOR ETFS TRUST US EQT ACC 9 BFR | XBJA | $10.2M | 292,995 | +0.13pp | 19q | +1.5%+$150.8K | |
| ISHARES TR | IJS | $9.1M | 70,802 | -0.24pp | 24q | -3.5%-$325.5K | |
| ISHARES TR | IVV | $8.8M | 11,539 | -0.08pp | 24q | -6.0%-$569.1K | |
| DIMENSIONAL ETF TRUST | DFIP | $7.7M | 198,252 | +0.11pp | 18q | +10.3%+$724.3K | |
| DIMENSIONAL ETF TRUST | DFEV | $7.4M | 174,796 | +0.02pp | 17q | +0.9%+$66.2K | |
| DIMENSIONAL ETF TRUST | DFGR | $6.9M | 255,734 | -0.05pp | 15q | +3.4%+$229.1K | |
| APPLE INC | AAPL | $5.9M | 17,846 | +0.36pp | 24q | +10.7%+$573.5K | |
| VANGUARD BD INDEX FDS | BSV | $5.1M | 66,170 | +0.08pp | 24q | +7.1%+$333.9K | |
| INVESCO QQQ TR | QQQ | $5.0M | 6,805 | +0.02pp | 24q | +0.5%+$27.4K | |
| VANGUARD SCOTTSDALE FDS | VCSH | $5.0M | 64,504 | +0.03pp | 23q | +4.1%+$194.7K | |
| ISHARES TR | IVE | $4.9M | 21,534 | +0.01pp | 24q | -0.7%-$33.1K | |
| ISHARES TR | EFG | $4.8M | 40,191 | -0.03pp | 24q | +0.5%+$25.9K | |
| ISHARES TR | IJH | $4.7M | 65,998 | -0.10pp | 24q | -1.2%-$55.6K | |
| ISHARES TR | GOVT | $4.4M | 199,493 | -0.03pp | 23q | +0.6%+$27.6K | |
| VANGUARD INDEX FDS | VOE | $4.2M | 21,533 | -0.01pp | 24q | HELD | |
| SPDR GOLD TR | GLD | $4.0M | 10,375 | +0.05pp | 24q | +0.8%+$33.1K | |
| VANGUARD MUN BD FDS | VTEB | $3.9M | 83,213 | -0.01pp | 13q | +5.4%+$200.6K | |
| VANGUARD INDEX FDS | VOT | $3.4M | 11,551 | -0.03pp | 24q | HELD | |
| VANGUARD WELLINGTON FD | VTES | $3.3M | 33,282 | -0.06pp | 14q | -3.9%-$134.7K | |
| VANGUARD MALVERN FDS | VTIP | $3.3M | 66,081 | +0.06pp | 16q | +8.1%+$244.6K | |
| VANGUARD CHARLOTTE FDS | BNDX | $3.1M | 65,554 | +0.03pp | 24q | +5.9%+$171.5K | |
| ISHARES TR | IDV | $3.0M | 70,752 | +0.01pp | 24q | -1.2%-$37.3K | |
| VANGUARD INDEX FDS | VNQ | $2.8M | 31,384 | -0.05pp | 24q | HELD | |
| VANGUARD INDEX FDS | VBK | $2.8M | 8,229 | -0.08pp | 24q | -3.0%-$84.8K | |
| WISDOMTREE TR | DGS | $2.5M | 39,624 | -0.01pp | 24q | +0.8%+$20.8K | |
| JOHNSON & JOHNSON | JNJ | $2.4M | 9,174 | flat | 24q | -5.0%-$126.8K | |
| SCHWAB STRATEGIC TR | FNDC | $2.4M | 47,195 | flat | 24q | -3.6%-$88.7K | |
| VANGUARD INDEX FDS | VBR | $2.3M | 10,058 | -0.05pp | 24q | -3.1%-$75.6K | |
| STATE STR SPDR S&P 500 ETF T | SPY | $2.0M | 2,586 | +0.01pp | 24q | HELD | |
| VANGUARD TAX-MANAGED FDS | VEA | $2.0M | 27,887 | -0.01pp | 24q | -2.3%-$45.8K | |
| EXXONMOBIL HOLDINGS CORP | XOM | $1.9M | 11,383 | - | new | NEW | |
| MICROSOFT CORP | MSFT | $1.6M | 3,195 | +0.12pp | 24q | -2.5%-$41.5K | |
| ISHARES TR | MUB | $1.6M | 16,052 | -0.06pp | 16q | -6.1%-$105.3K | |
| INVESCO EXCHANGE TRADED FD T | PRF | $1.5M | 27,602 | -0.02pp | 24q | -5.8%-$93.3K | |
| ISHARES TR | IJR | $1.4M | 10,652 | -0.03pp | 24q | -0.5%-$7.3K | |
| ISHARES TR | SCZ | $1.4M | 16,070 | +0.01pp | 23q | HELD | |
| ISHARES TR | TIP | $1.3M | 12,210 | -0.08pp | 23q | -15.8%-$238.8K | |
| DIMENSIONAL ETF TRUST | DFLV | $1.2M | 29,755 | +0.02pp | 10q | +2.4%+$27.9K | |
| DFA INVT DIMENSIONS GROUP IN | DFAR | $1.2M | 49,443 | - | new | NEW | |
| BERKSHIRE HATHAWAY INC DEL | BRKB | $1.1M | 2,159 | flat | 24q | HELD | |
| RTX CORPORATION | RTX | $973.2K | 5,242 | flat | 12q | HELD | |
| SELECTIVE INS GROUP INC | SIGI | $908.1K | 10,862 | -0.04pp | 24q | HELD | |
| VANGUARD INDEX FDS | VUG | $904.1K | 10,033 | flat | 24q | -4.2%-$39.6K | |
| ELI LILLY & CO | LLY | $899.4K | 777 | -0.01pp | 24q | HELD | |
| DIMENSIONAL ETF TRUST | DFUS | $872.4K | 10,507 | +0.01pp | 11q | +1.5%+$12.6K | |
| ALPHABET INC | GOOGL | $861.2K | 2,503 | -0.02pp | 24q | -3.3%-$29.2K | |
| META PLATFORMS INC | META | $780.2K | 1,076 | +0.06pp | 24q | +4.4%+$32.6K | |
| JPMORGAN CHASE & CO | JPM | $761.9K | 2,303 | flat | 14q | -1.7%-$13.2K | |
| INNOVATOR ETFS TRUST | PJAN | $758.9K | 14,962 | +0.01pp | 24q | HELD | |
| 3M CO | MMM | $707.9K | 4,312 | flat | 11q | -1.3%-$9.2K | |
| REALTY INCOME CORP | O | $699.8K | 12,888 | -0.02pp | 24q | HELD | |
| Calamos S&P 500 Structured Alt | CPSY | $652.7K | 24,970 | flat | 7q | HELD | |
| AMAZON COM INC | AMZN | $639.1K | 2,565 | +0.01pp | 24q | HELD | |
| INVESCO EXCHANGE TRADED FD T | RSP | $627.8K | 3,018 | flat | 24q | HELD | |
| INVESCO EXCHANGE TRADED FD T | PRFZ | $599.6K | 11,458 | -0.02pp | 24q | -4.9%-$31.1K | |
| VANGUARD SPECIALIZED FUNDS | VIG | $580.3K | 2,487 | flat | 24q | -0.7%-$4.2K | |
| COSTCO WHOLESALE CORPORATION | COST | $579.4K | 636 | flat | 24q | +2.6%+$14.6K | |
| SPDR SERIES TRUST | MDYV | $573.0K | 6,474 | -0.01pp | 24q | -2.1%-$12.6K | |
| ALPHABET INC | GOOG | $554.1K | 1,626 | -0.01pp | 24q | -3.0%-$17.0K | |
| DEERE CO | DE | $544.0K | 810 | +0.01pp | 24q | -1.5%-$8.1K | |
| VANGUARD INDEX FDS | VO | $534.9K | 6,820 | -0.02pp | 24q | -8.9%-$52.5K | |
| COHEN & STEERS ETF TRUST | CSRE | $524.2K | 19,634 | flat | 5q | +8.5%+$41.1K | |
| SCHWAB STRATEGIC TR | SCHE | $488.9K | 13,414 | flat | 24q | HELD | |
| NVIDIA CORPORATION | NVDA | $487.2K | 2,133 | +0.02pp | 8q | -1.1%-$5.5K | |
| LAM RESEARCH CORP | LRCX | $471.4K | 1,435 | -0.04pp | 4q | HELD | |
| MERCK & CO INC | MRK | $460.1K | 3,166 | +0.01pp | 12q | -2.5%-$11.6K | |
| PROVIDENT FINL SVCS INC | PFS | $446.4K | 20,152 | -0.01pp | 10q | HELD | |
| DIMENSIONAL ETF TRUST | DFIS | $390.8K | 10,787 | flat | 16q | HELD | |
| PEPSICO INC | PEP | $389.2K | 3,071 | -0.01pp | 24q | -3.4%-$13.6K | |
| ABBOTT LABORATORIES | ABT | $387.5K | 3,921 | +0.01pp | 3q | HELD | |
| VANGUARD INTL EQUITY INDEX F | VWO | $376.2K | 6,343 | flat | 24q | -0.7%-$2.6K | |
| GENERAL DYNAMICS CORP | GD | $374.2K | 1,128 | -0.01pp | 24q | HELD | |
| CHEVRON CORPORATION | CVX | $373.1K | 1,827 | +0.01pp | 24q | -5.7%-$22.7K | |
| ISHARES TR | DVY | $372.8K | 2,452 | -0.01pp | 24q | -5.8%-$22.8K | |
| ABBVIE INC | ABBV | $358.4K | 1,370 | flat | 24q | -1.4%-$5.0K | |
| INVESCO EXCH TRADED FD TR II | IDHQ | $353.2K | 8,190 | flat | 12q | +1.0%+$3.5K | |
| INTERNATIONAL BUSINESS MACHS | IBM | $352.5K | 1,603 | -0.03pp | 24q | -3.8%-$14.1K | |
| ISHARES TR | QUAL | $347.5K | 1,564 | flat | 22q | -1.2%-$4.2K | |
| PROCTER & GAMBLE CO | PG | $345.9K | 2,381 | flat | 24q | -3.6%-$12.9K | |
| ISHARES TR | EMB | $343.0K | 3,776 | -0.01pp | 24q | -1.3%-$4.5K | |
| INNOVATOR ETFS TRUST | UAUG | $335.5K | 7,809 | flat | 12q | HELD | |
| VANGUARD INDEX FDS | VTI | $329.4K | 880 | flat | 6q | HELD | |
| INNOVATOR ETFS TRUST | XBAP | $328.3K | 7,634 | flat | 10q | HELD | |
| VANGUARD SCOTTSDALE FDS | VONV | $305.5K | 2,811 | flat | 11q | HELD | |
| GE AEROSPACE | GE | $288.9K | 925 | -0.03pp | 6q | -13.7%-$45.9K | |
| SCHWAB STRATEGIC TR | SCHB | $286.6K | 9,779 | flat | 9q | HELD | |
| VERIZON COMMUNICATIONS INC | VZ | $283.1K | 6,172 | flat | 7q | -2.6%-$7.7K | |
| CISCO SYS INC | CSCO | $278.2K | 2,585 | -0.01pp | 4q | -1.5%-$4.3K | |
| CARRIER GLOBAL CORPORATION | CARR | $275.8K | 5,027 | -0.02pp | 12q | HELD | |
| ENTERPRISE PRODS PARTNERS L | EPD | $272.0K | 7,638 | flat | 5q | HELD | |
| CALAMOS ETF TR | CPSJ | $264.2K | 9,447 | flat | 9q | HELD | |
| SPDR SERIES TRUST | MDYG | $260.8K | 2,495 | -0.01pp | 16q | -5.3%-$14.7K | |
| GE VERNOVA INC | GEV | $251.9K | 265 | -0.02pp | 2q | HELD | |
| ISHARES TR | IWB | $245.1K | 589 | flat | 6q | HELD | |
| TESLA INC | TSLA | $243.8K | 687 | -0.01pp | 6q | HELD | |
| ISHARES TR | IWF | $242.2K | 1,934 | - | new | NEW | |
| VANGUARD INDEX FDS | VOO | $236.6K | 338 | flat | 4q | +3.0%+$7.0K | |
| CATERPILLAR INC | CAT | $228.6K | 282 | -0.03pp | 4q | -13.8%-$36.5K | |
| CALAMOS ETF TR | CPST | $225.4K | 8,018 | flat | 6q | HELD | |
| VANGUARD WORLD FD | VDE | $224.5K | 1,304 | - | new | NEW | |
| HOME DEPOT INC | HD | $223.6K | 786 | -0.02pp | 24q | -8.8%-$21.6K | |
| PUBLIC SVC ENTERPRISE GROUP | PEG | $223.1K | 3,314 | -0.01pp | 7q | HELD | |
| EVERSOURCE ENERGY | ES | $221.5K | 3,452 | -0.01pp | 7q | HELD | |
| VANGUARD INDEX FDS | VB | $215.4K | 757 | flat | 2q | HELD | |
| LOWES COS INC | LOW | $214.5K | 1,164 | -0.01pp | 24q | HELD | |
| ISHARES TR | EEM | $212.6K | 3,184 | flat | 2q | HELD | |
| DIMENSIONAL ETF TRUST | DFAT | $212.6K | 3,200 | flat | 2q | HELD | |
| VANGUARD BD INDEX FDS | BND | $211.1K | 3,009 | -0.01pp | 16q | -6.2%-$13.9K | |
| PRUDENTIAL FINL INC | PRU | $209.0K | 1,841 | - | new | NEW | |
| ADVANCED MICRO DEVICES INC | AMD | $206.8K | 338 | - | new | NEW | |
| MCDONALDS CORP | MCD | $205.5K | 890 | -0.01pp | 24q | -0.7%-$1.4K | |
| INTEL CORP | INTC | $204.4K | 1,700 | -0.01pp | 2q | HELD | |
| BLACKROCK ENHANCED EQUITY DI | BDJ | $130.0K | 13,831 | flat | 12q | HELD |
By sector
Industry comes from the SIC code on each company's own SEC filings, which is self-reported and sometimes out of date. Derivative exposure is counted with the shares. Securities the SEC assigns no industry - funds, trusts, foreign issues - are shown as not classified rather than dropped.
| Sector | Value | Share |
|---|---|---|
| Capital Markets | $22.7M | 6.2% |
| Computer Hardware | $6.6M | 1.8% |
| Other sectors | $25.7M | 7.0% |
| Not classified | $309.9M | 85.0% |
What the disclosed book did
This is not the fund's return. A 13F shows long US equity positions only, so shorts, bonds, foreign listings, private holdings and cash are all invisible here. What this measures is the quarter's change in value of the positions this manager disclosed, had they been left untouched - the return a reader following the filing would have earned.
| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q3 2026 | -1.7% | +2.1% | -3.9% | 100% |
| Q2 2026 | +8.3% | +14.8% | -6.5% | 100% |
| Q1 2026 | +1.5% | -4.6% | +6.1% | 100% |
| Q4 2025 | +2.7% | +2.4% | +0.3% | 100% |
| Q3 2025 | +6.7% | +7.8% | -1.1% | 100% |
| Q2 2025 | +6.1% | +10.5% | -4.4% | 100% |
| Q1 2025 | -0.3% | -4.6% | +4.2% | 100% |
| Q4 2024 | -1.8% | +2.1% | -4.0% | 100% |
Market is SPY over the same two quarter ends, priced the same way as everything else here - the median across every filer reporting it. It is a large-cap US proxy, so a manager holding small caps or biotech will beat or trail it for reasons that are not skill. Prices are quarter-end to quarter-end and say nothing about the path in between, or about trades opened and closed inside a quarter.
Quarter by quarter
| Quarter | Value | Positions | New | Added | Trimmed | Exited | Top 10 | Days to file |
|---|---|---|---|---|---|---|---|---|
| Q3 2026 | $364.8M | 124 | 7 | 28 | 48 | 6 | 47.1% | 28 |
| Q2 2026 | $367.7M | 123 | 8 | 33 | 48 | 2 | 46.9% | 42 |
| Q1 2026 | $337.3M | 117 | 3 | 31 | 39 | 6 | 46.9% | 36 |
| Q4 2025 | $331.8M | 120 | 5 | 39 | 33 | 1 | 46.8% | 27 |
| Q3 2025 | $317.1M | 116 | 2 | 21 | 54 | 2 | 46.6% | 24 |
| Q2 2025 | $299.3M | 116 | 8 | 36 | 30 | 1 | 46.0% | 28 |
| Q1 2025 | $275.7M | 109 | 6 | 43 | 34 | 5 | 45.6% | 29 |
| Q4 2024 | $271.8M | 108 | 4 | 43 | 38 | 4 | 45.2% | 34 |
| Q3 2024 | $271.2M | 108 | 3 | 28 | 42 | 1 | 46.1% | 31 |
| Q2 2024 | $246.5M | 106 | 3 | 26 | 41 | 2 | 46.1% | 30 |
| Q1 2024 | $246.8M | 105 | 6 | 22 | 54 | 3 | 46.2% | 36 |
| Q4 2023 | $231.0M | 102 | 9 | 46 | 25 | 0 | 46.0% | 31 |
| Q3 2023 | $195.2M | 93 | 1 | 26 | 31 | 6 | 47.9% | 37 |
| Q2 2023 | $201.8M | 98 | 3 | 34 | 35 | 0 | 48.0% | 28 |
| Q1 2023 | $184.2M | 95 | 5 | 26 | 42 | 0 | 46.9% | 34 |
| Q4 2022 | $167.6M | 90 | 8 | 34 | 25 | 1 | 47.8% | 38 |
| Q3 2022 | $142.6M | 83 | 1 | 32 | 27 | 7 | 50.2% | 33 |
| Q2 2022 | $142.3M | 89 | 4 | 31 | 37 | 10 | 49.2% | 27 |
| Q1 2022 | $158.8M | 95 | 6 | 30 | 33 | 6 | 49.9% | 40 |
| Q4 2021 | $159.9M | 95 | 0 | 52 | 17 | 328 | 50.5% | 33 |
| Q3 2021 | $157.1M | 423 | 35 | 90 | 60 | 8 | 47.5% | 28 |
| Q2 2021 | $154.0M | 396 | 37 | 68 | 57 | 19 | 48.7% | 33 |
| Q1 2021 | $140.2M | 378 | 36 | 55 | 70 | 12 | 50.2% | 28 |
| Q4 2020 | $124.2M | 354 | 0 | 0 | 0 | 0 | 51.3% | 41 |
Rows marked UNVERIFIED ID, PLACEHOLDER ID, TICKER AS ID or NON-CUSIP ID carry an identifier that is not a valid CUSIP. They are shown because the filer reported that money, but treat the security named with caution - hover the chip for what is wrong with it, and see the methodology.
Held counts consecutive filings in which this manager reported the position, and can reach further back than the quarters listed above: the tabs begin at Q4 2018 because earlier coverage is too sparse to describe a market, but tenure is counted over every filing we hold, some reaching to 2007. A position sold and later rebought starts again from one.
Weight change is the shift in this position's share of the whole book, in percentage points. It is the more useful column: when money flows into or out of a broad fund, almost every holding is bought or sold at once, so added and trimmed largely track flows. A weight that rose while the book shrank is a decision. Both compare with the previous quarter this filer reported, not the previous calendar quarter.